Housing Finance
Position Title: Credit Manager,
Corporate, SME & Projects
Reporting To Head of Credit
Job Purpose
To implement strategy, policies and
procedures that promotes an
efficient and effective risk and
controls environment and protect
the credit portfolio.
To provide MIS for analysis,
measurement, sanctioning,
reporting and monitoring of risk.
Key Responsibilities
Reviewing existing
Corporate, SME, and
Project Finance
Policies/Procedures/
Templates/Models
and Programs to
ensure they are
consistent agreed
credit standards and
regulatory prudential
guidelines.
Ensuring a consisted
approach in assessing
Corporate, SME,
Project Finance limits
by developing and
reviewing relevant risk
assessment
documents for use by
the business.
Evaluate &
understand risk
associated with
individual
transactions,
products, securities,
and the borrowers as
well as the
economies &
industries they
operate within.
Embed credit risk
management
practices by ensuring
adherence to risk
management
initiatives in line with
credit policy and
standards.
Monitor legal and
regulatory
developments that
impact risk and
lending policies and
ensure Credit
compliance with local
legal and regulatory
requirements.
Review and support
of all Corporate, SME
and Project Finance
underwriting
documents including
loan products
documents,
proposals before
onward transmission
to designated
authorities for
approval.
Assess/Analyze credit
proposals and
applications from
Corporate, SME,
Project Finance and
submit for approvals
as per credit policy.
Approval/support of
all Corporate, SME
and Projects credits
application falling
within delegation
authority and support
of those falling
outside delegated
authority while at the
same time meeting
set TAT standards.
Ensure that all credit
proposals and
applications
submitted comply
with credit policy/CBK
prudential guidelines
and where there are
breaches of policy/
CBK prudential
guidelines, these
have been identified,
mitigated and
approval obtained at
the appropriate
levels.
Integration of
Corporate, SME and
Project Finance Credit
Policy/Standards with
business strategy/
plans and ensuring
appropriate credit
culture/training and
adherence the Bank’s
Credit Policy/
standards. Ensure
appropriate
dispensations are
sought on time.
Monitoring and
reporting of credit
portfolio trends and
credit performance;
while ensuring quality
loan book
performance.
Manage and Monitor
Corporate, SME,
Project Finance
collection process
ensuring that the flow
rates within the
delinquency buckets
are well managed
and overall portfolio
performance and
provisions are within
the prescribed levels.
Interrogate the
Provisions listing on
monthly basis to
ensure these figures
are within budgeted
levels.
Obtain appropriate &
timely MIS on
excesses & loans in
arrears for purposes
of pro-actively
managing those
exposures with
minimal loss to the
bank.
Provide leadership to
a team of credit
analysts and related
front line staff.
Competency Requirements
Technical and Personal Skills
Ability to translate the
bank’s credit strategy
into departmental
business plans and
operationalize the
same through a
focused performance
management regime.
Knowledge of all
lending products
(both local and
international) and the
level of complexity
inherent in those
products.
Ability to evaluate
position of solvency
of a business and
prudent decisions
against credit
application. Ability to
understand and
develop financial
models for long term
debt.
Ability to develop
relevant credit policies
and evaluate project
proposals.
Ability to present,
communicate and
effect essential
changes to improve
credit management in
the Bank in line with
emerging micro and
macro financial
developments.
Proven leadership
and people
management skills
with a high level of
commitment and
enthusiasm.
Good
communication,
negotiation and
presentation skills
Proactive team player
with drive for results
Must be familiar with
legislation relating to
lending practices.
Computer Skills: Computer literate
with proficiency in oracle based core
banking system.
Knowledge, Experience and
Qualification Requirements
University degree or
equivalent preferably
in finance related
field from a
recognized institution
and relevant
professional
qualifications in
banking, Risk
Management, Credit
Management or
accounting.
Experience,
awareness and
appreciation of all
aspects of financial
analysis in a busy and
dynamic financial
institution.
Minimum 5 years’
experience in Credit
Risk Management, 3
being at a senior
level, and exposure to
modern risk
management and
portfolio
management tools.
Knowledge of project
finance, banking
products and New
and Evolving
Technology systems.
Those with project
management skills
will have added
advantage.
How to Apply
Applicants should email their
applications attaching a detailed
curriculum vitae and a letter
indicating why they are interested in
and qualified for the position plus
the names of three referees who
can provide confidential assessment
of their capabilities to a search
committee.
All communication relating to this
position should be addressed to:
human.resources@housing.co.ke
Applications should be received by
3rd September 2013.
Only shortlisted candidates will be
contacted.
On the subject matter of the email
please indicate the position you are
applying for.
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